Osceola County property record for 3592 Sanctuary Dr, Saint Cloud, FL 34769
| Property Type | Townhouse |
|---|---|
| Details | 4 bd · 3 ba · 1,865 sqft · built 2017 |
| Lot Size | 0.037 acres (1,612 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,000 (Mar 2020) |
| Tax Bill | $3,102 (2025) |
| Deeds & Mortgages | Apr 2024 Reverse Mortgage Jan 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 138516 |
| Primary APN | 138516 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,865 sqft Heated Area |
| Gross Area | 2,103 sqft |
| 1st Floor Area | 920 sqft |
| Upper Floors Area | 945 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,612 sqft (0.037 acres) |
| Lot Dimensions | 58 ft deep x 28 ft wide |
| Garage Type | Finished |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 18 sqft |
| Patio Area | 133 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 138516 |
|---|---|
| Street Address | 3592 SANCTUARY DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-7122 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | SR3 |
| Legal Description | SANCTUARY AT SOUTH TOWN PB 18 PG 119 LOT 61 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | SANCTUARY AT SOUTHTOWN TOWNHOMES |
| Legal Tract | 58 |
| Legal Block | 1 |
| Legal Lot Number | 61 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3033 |
| Census Tract | 43208 |
Source: Osceola County records · APN 138516
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3592 SANCTUARY DR, SAINT CLOUD, FL 34769-7122 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 09, 2024 | Deed of Trust, Mortgage · Reverse Mortgage FAIRWINDS CU |
| Jan 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Mar 17, 2020 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM |
| Sep 26, 2017 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 17, 2020 · Amount on Record |
| Deed Sale | Mar 17, 2020 · Amount on Record |
| Prior Sale | Sep 26, 2017 · Amount on Record |
| Deed Document Number | 2020038029 |
| Deed Book / Page | 5693 / 1423 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3592 SANCTUARY DR, SAINT CLOUD, FL 34769-7122 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 3592 SANCTUARY DR, SAINT CLOUD, FL 34769-7122 |
| Document Number | 0065791658 |
|---|---|
| Date | Apr 09, 2024 |
| Book Page | 6579/1658 |
| Instrument | 2024045267 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | 3087 N ALAFAYA TRL, ORLANDO, FL 32826 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 25, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3592 SANCTUARY DR, SAINT CLOUD, FL 34769-7122 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3592 SANCTUARY DR, SAINT CLOUD, FL 34769-7122 |
| Document Number | 0061300748 |
|---|---|
| Date | Jan 18, 2022 |
| Book Page | 6130/748 |
| Instrument | 2022008405 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 17, 2020 |
| Property Address | 3592 SANCTUARY DR, SAINT CLOUD, FL 34769-7122 |
| Document Number | 0056931423 |
| Book / Page | 005693 / 001423 |
| Instrument Date | Feb 24, 2020 |
| Instrument | 38029 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2020 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3592 SANCTUARY DR ST CLOUD FL 347697122, ST CLOUD, FL 34769-7122 |
| Document Number | 56931427 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 005693/001427 |
| Instrument | 38031 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 16, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 26, 2017 |
| Property Address | 3592 SANCTUARY DR, SAINT CLOUD, FL 34769-7122 |
| Document Number | 0052121442 |
| Book / Page | 5212 / 1442 |
| Map Reference | MB18 PG119 |
| Instrument Date | Sep 22, 2017 |
| Instrument | 2017135583 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | OSCEOLA TITLE INS AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,393.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782 |
| Name | Verified Name |
|---|---|
| Address | 3592 SANCTUARY DR, SAINT CLOUD, FL 34769-7122 |
| Document Number | 0052121444 |
|---|---|
| Date | Sep 26, 2017 |
| Instrument | 5212/1444 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,102.00 (+6.42%) Homeowner's exemption | $216,224 (+5.99%) | $277,300 (+8.32%) Land $40,000 Building $237,300 |
| 2023 | $2,915.00 (+3.74%) Homeowner's exemption | $204,011 (+3%) | $256,000 (+12.73%) Land $14,900 Building $241,100 |
| 2022 | $2,810.00 Homeowner's exemption | $198,069 | $227,100 Land $14,900 Building $212,200 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 25 in force |
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Lumen Technologies, Xfinity.
Based on FCC filings for 288 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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